Business Insurance for Owner Operators

Get the right coverage from top insurance companies.
What kind of work do you do?
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Choose from the nation's best insurance providers
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Why do owner operators need commercial insurance?

Owner operator truck insurance can cover lawsuits over property damage and injuries. Most states have requirements for auto liability coverage, which can protect you from the high costs of an auto accident. Client contracts might also have insurance requirements for motor carriers and shippers.

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Get the right insurance

Insureon's licensed agents help owner operators find insurance policies that match the unique risks of the trucking industry.

Fill out our online application to get quotes from top insurers and expert advice.

What types of business insurance do owner operators need? 

These policies cover common risks faced by owner operator truckers.

General liability insurance icon

General liability insurance

A general liability policy covers accidents that harm someone outside your company or their property, such as a slip-and-fall injury in a dispatch office or on grounds used for storage.

BEST FOR
  • Third-party medical expenses
  • Third-party property damage
  • Libel and slander lawsuits
Business owner’s policy icon

Business owner's policy

A BOP is a cost-effective way for owner operators to buy general liability and commercial property insurance together. It protects against common lawsuits and property damage.

BEST FOR
  • Accidents that harm clients
  • Stolen or damaged items
  • Business interruption insurance
Workers’ compensation insurance icon

Workers' compensation insurance

Most states require workers' comp for trucking businesses with employees. It also covers work-related medical bills for sole proprietors, which personal health insurance could deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Lawsuits from employee injuries
Commercial auto insurance icon

Commercial auto insurance

This type of commercial truck insurance coverage can pay for a trucking company's legal defense costs in an accident. It can also cover vehicle theft and vandalism.

BEST FOR
  • Bodily injury caused by your truck
  • Theft of a semi-truck
  • Physical damage coverage
Looking for different coverage? See more policies.

How do I get owner operator insurance?

It's easy to get owner operator or towing business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy insurance products online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare coverage options and choose a policy
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right types of insurance for your trucking business, whether you work independently or hire truck drivers.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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